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Reliability First: How to Check a Bank
Storing savings is all about trust. You’re not just handing over money — you’re entrusting your financial security. So the first thing to look at is a bank’s reliability, and only after that — interest rates, cashback, or bonuses. Here are the key signs of a trustworthy bank:
- An NBU license and participation in the Deposit Guarantee Fund (DGF). Make sure the institution has a valid banking license from the National Bank of Ukraine — that gives it the legal right to operate. Also check that it participates in the DGF, which ensures your money is reimbursed even in worst-case scenarios — the state guarantees up to 200,000 UAH (and sometimes more).
- Transparency and reporting — a reliable bank has nothing to hide. It maintains an official website with clear product terms, reports, contacts, and updates. It publishes regular financial reports, communicates service conditions clearly, and doesn’t change terms without notice.
- Public reputation matters too. See what’s being said in the news, ratings, and forums. If there are frequent complaints, mentions of lawsuits, payment delays, or technical issues — it’s a red flag. On the other hand, a calm media presence, participation in government programs (like eVidnovlennia, National Cashback, or support for the Armed Forces), and partnerships with reputable brands — are all strong indicators of reliability.
Your money deserves a safe “home.” While no one is fully protected from global risks, choosing a stable, transparent, and open bank is already a big step toward financial peace of mind.
High Returns ≠ High Reliability
High deposit interest rates can look tempting. If one bank offers 10% and another 18%, it’s hard to resist. But in finance — as in life — too-good-to-be-true offers should raise suspicion. If a bank offers returns far above market average, it may indicate liquidity issues, an urgent need to attract funds, or compensation for risk. In the worst case, it signals instability. Yes, such deposits might work — but the risk of losing part or all of your money is much higher, and it’s not worth it, especially if you’re saving for something important.
What conditions are considered optimal?
1. Market-average rate — look for what stable banks offer;
2. Fixed interest for the entire term — no surprises midway;
3. Flexible term options — from 3 to 12 months or more, depending on your goals;
4. Early withdrawal option (even at a lower rate) — for emergencies.
In the GlobusPlus app, you can easily choose a profitable deposit with transparent terms and no fine print. You’ll see the term, rate, and estimated income immediately. Everything is managed in a few clicks — no need to visit a branch. Remember: the rate matters, but knowing who you're trusting your money with matters more. Sometimes a slightly lower interest rate brings much greater peace of mind — and results.
Customer Reviews: What’s Real and What’s Overstated
When choosing a bank, it’s natural to want to know what others think — real customer experiences often say more than ads. But it’s important to distinguish real patterns from emotional exaggerations. Don’t panic over a single angry comment — look at the overall trend. One unhappy client will always leave a review, while five satisfied ones will quietly move on. Focus on the number, content, and tone of reviews — not isolated cases.
Forums and social media are helpful, but not absolute truth. A real red flag is when many people report the same issues: delayed payments, rude support, or constant tech failures. If the reviews vary and some users praise the app, convenience, and speed — the situation is likely balanced.
Also pay attention to how the bank responds. What people say matters, but so does how the bank reacts. Do they ignore complaints or try to solve them? Calm, constructive replies in the comments are a good sign that you won’t be left alone with problems. Service, support, convenience — you’ll spot all of this through real customer stories. Just read critically and patiently, and no emotional review will knock you off course.
App Convenience and Functionality
In 2025, it’s hard to imagine a good bank without a good mobile app. And it’s not just a trend — it’s about daily user comfort. Today we want to handle finances quickly, without calls or branch visits. So a reliable bank isn’t just about rates and reputation — it’s about an app that works when and how you need it, without glitches, freezes, or long logins. The ideal app should be:
- Intuitive — so you don’t spend minutes hunting for buttons in the menu;
- Fast — because time = money;
- Stable — no “please try again later.”
It should also provide full control: open deposits in a few taps, transfer between accounts, view balances, cashback, and spending analytics. The GlobusPlus app offers all of this. You can not only store funds easily, but also manage them effectively — anytime, without queues. A modern bank is, above all, a service in your pocket — not just a building downtown.
What Does GlobusPlus Offer?
When choosing a bank to store your savings, you want maximum peace of mind and convenience — and attractive deposit rates. GlobusPlus combines all of this. It’s a mobile bank designed to give you full financial control, every day, with minimal effort.
Here’s what you get after installing and registering in GlobusPlus:
- Deposits with favorable terms and fair rates;
- 5% interest on balances with the GlobusPlus Light card;
- A user-friendly app with a wide range of features — from international transfers to opening deposits;
- Fast support and transparent communication — no generic replies or formality.
GlobusPlus is a bank in your smartphone that you can trust not only for everyday spending, but also for your most valuable goals, dreams, and savings. No stress, no complications — always in the plus.
